Re: Capone Soft/Hardpull question

Powertrip wrote:

Immediate response followup: APPROVED for $500 on the QuickSilver!!!

Congrats! I seriously wish I had that card available when I was starting out: it'd actually be an upgrade for me nearly two years into the process from a rewards perspective, and if I weren't trying really hard to stay clean for a mortgage sometime mid-next year, I'd pick one up. Right now my default spending only gets 1% (well for cash back options at least).

Re: Capone Soft/Hardpull question

Pay those 3 tiny collections you have... they probably will take credit card, they might even settle for 50%... just pay them... unpaid stuff kills you... it's not that your score will jump because you pay it but many creditors just will not lend while you have unpaid and when they are as tiny is that... use your new Quicksilver and pay those.

then GQ your student loan lates and your credit union... i have never had luck but worth a try.

Re: Capone Soft/Hardpull question

Welp, not sure what happened... Maybe I misunderstood, thinking that dcu would do a secured card without credit check but they ended up doing a hard pull and declining me. I'm doing no more blind apps. I'm going to keep checking Chase for pre-qual offers but other than that I'm gardening for six months minimum. I was kind of bummed about that one but nothing to do about it at this point.

Re: Capone Soft/Hardpull question

Just a note, CapOne will probably happily product change the account you just opened over the Quicksilver One MasterCard. I've had my Platinum MC for a year and called to request a product change to Quicksilver and they did it immediately. So, I definitely wouldn't waste a HP on that app.

Re: Capone Soft/Hardpull question

Just got my Platinum card in the mail! Had it out long enough to activate it then tossed it in the sock drawer. Will use it later for netflix or something but am waiting to start putting any routine purchases on the QuickSilver.

I had been under the impression after reading on this site that getting a product change to a different card was damn near impossible with Cap1 so that's why I app'd for the QS1.

Also, Doing it this way got me $800 credit line versus the $300 or at best $500 I would have gotten by PCing. Thanks for the advice though!

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.